Cory
San Antonio,#2Consumer Suggestion
Mon, November 29, 2004
A few years ago they would have just upped your limit. Now, they stick you with a $29 over the limit fee. You can see how they wish to keep your business. As a business owner I hate AE. Last year in Sept. they raised my discount to 5%. Then in Oct. they start their ads saying up to 5% rebate on purchases. I think you have to spend something like $100k to get 5% back. After thinking about it for a while, I deceide to drop AE. Call them, they lower my discount rate back to 3.5%. Had a gold card a few years back. $75 per year. Figured it wasn't worth it. When it expired, called them and told them I wasn't going to renew it. They sent me a check for $55. Shredded it. They sent me a check for $75. If I deposited it I opened the account again. Shredded it. But I agree, it wasn't their job to notify you that you were over your limit. You should have called them, in advance and got a limit increase before the purchase. Those were the terms you agreed to be having the card. By the way, I can have my AE account jerked by posting this info on this site. Go ahead. I could care less.
Terry
Spring,#3Consumer Comment
Sun, November 28, 2004
You knew your limit was $2000 and yet you used your Amex card to charge $2500 ? Why bother using it if you knew it was over your limit ? You could have easily changed your mind when you saw it go through but you didnt ...and now you are mad because they didnt tell you that you were over your limit ? Add it up....Your limit was 2000 and you wanted to charge 2500 ........ You knew you were over your limit !!!!! You dont have a case .....
Jenelle
Morgantown,#4Consumer Comment
Sun, November 28, 2004
So you knew that you had a $2000 limit, then purchased something for $2500? You knowingly went over your limit. You deserve the overage charge. You should also keep track of your spending, like the customer service representative told you. It's like balancing a checkbook. Just keep all your receipts and add together all the totals. If you make a payment, subtract that amount. It's not that hard. Many credit card companies and banks that issue debit cards will let you go over your limit. They do this to give you the benefit of the doubt. You may have sent it a payment or deposited money that hasn't cleared yet, or hasn't gone through the system completely. They assume that you know how much money/credit you have. If it's their policy to charge an overage fee when you go over your limit, there's nothing you can do except pay it. I suggest that next time, you keep track of your spending and learn to be a bit more responsible.